The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$57,056
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,831
−HK$1,803/mo
Today · 4.125%
HK$60,634
baseline
▲ 0.50% · 4.625%
HK$64,323
+HK$3,689/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$121,268/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,474
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,727/mo
Today · 4.125%
HK$66,904
baseline
▲ 0.50% · 4.625%
HK$70,430
+HK$3,526/mo
Deposit HK$12.51M · loan HK$12.51M · min. income ≈ HK$133,808/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,467
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,597
−HK$2,164/mo
Today · 4.125%
HK$72,761
baseline
▲ 0.50% · 4.625%
HK$77,188
+HK$4,427/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$145,522/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,169
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,072/mo
Today · 4.125%
HK$80,284
baseline
▲ 0.50% · 4.625%
HK$84,516
+HK$4,232/mo
Deposit HK$10.01M · loan HK$15.01M · min. income ≈ HK$160,568/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,878
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,363
−HK$2,525/mo
Today · 4.125%
HK$84,888
baseline
▲ 0.50% · 4.625%
HK$90,053
+HK$5,165/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$169,776/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,864
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,247
−HK$2,418/mo
Today · 4.125%
HK$93,665
baseline
▲ 0.50% · 4.625%
HK$98,602
+HK$4,937/mo
Deposit HK$7.51M · loan HK$17.52M · min. income ≈ HK$187,330/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,701
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,895
−HK$3,246/mo
Today · 4.125%
HK$109,141
baseline
▲ 0.50% · 4.625%
HK$115,782
+HK$6,641/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$218,282/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,254
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,318
−HK$3,108/mo
Today · 4.125%
HK$120,426
baseline
▲ 0.50% · 4.625%
HK$126,774
+HK$6,348/mo
Deposit HK$2.50M · loan HK$22.52M · min. income ≈ HK$240,852/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,063,425 · Scale 2, in force from 26 Feb 2026)